Credit unions face rising operating costs, membership headwinds, and tighter growth constraints at small scale. This analysis compares CUs, banks, and bank acquisition targets—showing how profitability and pricing connect, why 2023 multiples reset, and why bank acquisitions remain a viable, cash-driven path to add scale and capabilities.
Category: Uncategorized Tags: Asset Growth, Bank Acquisitions, bank M&A pricing, community bank M&A, credit union bank acquisitions, credit union consolidation, credit union growth strategy, credit union mergers, Credit Union Strategy, financial performance benchmarking, M&A strategy, membership decline, NCUA merger data, net interest margin, non-interest expense, operating expense ratio, P/TBV, ROAA, S&P Global Market Intelligence, scale and operating leverage, strategic succession planning, tangible book value, valuation multiples
Posted on December 19, 2025 by Glenn Christensen
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Credit union mergers in the third quarter of 2025 saw a dramatic increase in asset size, with $34 billion in combined assets approved by the NCUA. While the number of mergers is trending down compared to last year, strategic deals—including several mega mergers-of-equals—are reshaping the industry. This executive analysis from CEO Advisory Group highlights key trends, financial performance, and strategic motivations driving consolidation.
Category: 2025, Bank Acquisitions, Blog, Credit Union Merger, Library Tags: 2025, Asset Growth, Bank Acquisitions, Board Education, Board Strategy, CEO Advisory Group, credit union mergers, Credit Union Mergers 2025, Deal Value, Delinquent Loans, Expanded Services, financial performance, M&A Trends, Mega Mergers, Member Value, Mergers of Equals, NCUA Approvals, NCUA Approved Mergers, NCUA Merger Approvals, Regulatory Insights, Return on Assets, Risk Management, Strategic Planning, Under-capitalized Credit Unions
We’re excited to announce the release of Part 2 in our whitepaper series, What Credit Unions Need to Know About Bank Acquisitions. This latest installment, titled “Proceeding with the Deal,” offers a practical and strategic guide for credit… Read More
Category: Bank Acquisitions, Blog, Due Diligence, Library, Merger Plan, Negotiation, Regulatory Application, Target Selection, Whitepaper Tags: Bank Acquisition, Bank Acquisitions, Credit Union Growth, Credit Union Strategy, Due Diligence, Executive Insights, Financial Services, Mergers and Acquisitions, Regulatory Compliance, Strategic Planning, Whitepaper Release
CEO Advisory Group